Which Home Refinance Loan Works Best For You?

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At this point you probably have just one or two loan offers that you believe will work for you.

Before signing the papers, you should examine the true costs of each loan. To determine which loan is better, you should evaluate each loan not just in the near future, but 5 and 20 years from now.

A loan with a low initial monthly payment may leave you in a tough spot 5 years from now. And a loan with a higher interest rate may actually save you money if you keep it for a few years. Factors like points and margins can make a loan a better fit for your situation. We’ll help you account for all of the factors and terms of each loan. This true comparison is the last step before you choose a loan – make sure your decision is a good one.

1. Get prepared
2. Choose your loan
3. Shop around
4. Evaluate offers
   1. Is this a fair loan for you?
   2. Know your payment outlook
   3. How you can avoid costly penalties and hidden closing costs
   4. Which loan works best for you?
5. Handy calculators for refinancing